Location is among the most vital factors in finding the best car insurance in Tacoma. As rates vary depending on your driving history, age, gender, credit score and more, you need to find the right coverage for you. Car insurance in Tacoma can be slightly more costly than the average state annual premiums, but lower than the national average. Make sure to get personalized car insurance quotes in Tacoma to help you make a better decision.
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Average Cost of Car Insurance in Tacoma
Tacoma$1,358
Washington$1,264
U.S.$1,424
Car insurance in Tacoma is generally average in terms of cost. It’s more expensive than the state average, compared to Washington’s $1,264 average annual rate. However, car insurance companies in Tacoma still charge a little less than the national average of $1,424 per year at $1,358.
In specific terms, the typical policy in Tacoma is 7.4% more expensive than Washington’s annual premium, while it’s 4.7% cheaper than the national average. If you want the best rates, you should get a personalized quote.
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The Best Cheap Car Insurance Companies in Tacoma
If you’re looking for cheap car insurance in Tacoma, the best choice for most drivers is PEMCO. They offer an average annual premium of $868 per year, which is $490 cheaper than the city average. The most expensive car insurance in Tacoma is from MetLife, with an average rate of $2,771, or 219.4% higher than PEMCO.
Car insurance companies in Tacoma vary their rates according to your driving profile. Expect your rates to increase if you have traffic violations or accidents on your record. Getting the best car insurance in Tacoma means finding a personalized quote just for you.
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- CompanyAmountper year
- 1. USAA$674
- 2. PEMCO$868
- 3. GEICO$943
- 4. Progressive$1,009
- 5. State Farm$1,106
Personalized Quotes to Get You the Cheapest Car Insurance in Tacoma
A variety of factors can impact the cost of your annual premiums, such as ZIP code, gender, marital status and driving experience. Depending on your personal risk level, you can get higher or lower premiums compared to the average car insurance rates in Tacoma.
Do you want the best premium? Get a personalized quote from different car insurance companies in Tacoma to give you a chance for potential discounts and rebates.
Compare Car Insurance Rates in Tacoma
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Tacoma by Coverage Amount
How much car insurance coverage you purchase in Tacoma also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
Washington Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Different car insurance policies have express limits for each type and level of coverage they provide. For instance, PEMCO provides liability-only and full-coverage policies at different levels in Tacoma.
50/100/50 means you’re covered for $50,000 worth of medical coverage per person and up to $100,000 per vehicle, with $50,000 for property damage repair. The average cost of PEMCO’s 50/100/50 liability-only coverage is $576, while 50/100/50 full coverage costs around $798. If you have room in your budget, the increased coverage may be worth the extra expense.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$345$398
- 2. PEMCO$504$576
- 3. Progressive$475$556
- 4. GEICO$525$612
- 5. State Farm$591$704
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$617$674
- 2. PEMCO$798$868
- 3. Progressive$810$1,009
- 4. GEICO$849$943
- 5. State Farm$994$1,106
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Cheapest Car Insurance in Tacoma if You Have Tickets
The impact of driving violations on the cost of your annual premium can be significant. For example, PEMCO charges an average of $868 if you have a clean record. A speeding ticket will push that up to around $1,068, while an at-fault accident increases the average cost to $1,170.
Driving under the influence can almost double your average car insurance rates in Tacoma with PEMCO. When looking for car insurance in Tacoma, you’ll find better deals if you have a clean driving record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$790$956$1,421
- 2. PEMCO$1,068$1,170$1,426
- 3. State Farm$1,206$1,306$1,206
- 4. GEICO$943$1,351$2,215
- 5. Progressive$1,432$2,482$1,303
Average Cost of Car Insurance by Postal Code
ZIP code is another factor that influences car insurance quotes in Tacoma. Different neighborhoods have varying rates, considering the differing frequency of accidents, uninsured motorists and more in each locale.
In Tacoma, drivers in ZIP code 98444 can expect to save around $20 on average compared to policyholders from ZIP code 98404.
- Zip CodeState Minimumper year
- 98444$1,348
- 98404$1,368
top ratedCar Insurance agentsTacoma2021Top Agents Offering Affordable Car Insurance in Tacoma
1. Vern Fonk Insurance7018 Tacoma Mall Blvd, Tacoma, WA, 98409
2. Joe Yi - State Farm Insurance Agent7803 Pacific Ave, Ste A, Tacoma, WA, 98408
3. Farmers Insurance - Amanda Stohl1944 Pacific Ave, Ste 302, Tacoma, WA, 98402
4. Allstate Insurance Agent: Pfarr Insurance Agency4961 Main St, Ste B, Tacoma, WA, 98407
5. Wendi Thomas - State Farm Insurance Agent3025 S Union Ave, Tacoma, WA, 98409
Insurance Providers That Serve Tacoma
Factors That Impact Insurance Costs in Tacoma
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Tacoma. How Tacoma ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Tacoma could save you $490, which is enough to buy:
163Cups of Coffee
38Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Tacoma are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Tacoma
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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